I won't go into the full on semantics but long story short, it just seems no matter how much I try and get my insurance lowered, someone will hit my car, or damage it, and I'm back to square one. If they go bankrupt, you will be paid by your state's guaranty fund. I'm a bit of a subject matter expert on these new telematics-centric startups so here's a few thoughts: Root is a 100% legit insurance company. Contact Us Today. The only thing you need to know to see if they are legit is if they how much and with who do they reinsure all of their policies. Nothing. For many they may not want to install Big Brother type devices in their car. But of course, like all things, this seems too good to be true. You should tell us what country you're in. Evans Bank Insurance 11 Main St, Cattaraugus, NY 14719 (716) 257-3491 Allstate, Encompass, NY Central Mutual, Safeco, Travelers. I did a proper followup on phone that my order is placed and to confirm if its correctly received by OTTO and they did confirmed that on phone. Sucks but whether or not the accident was your fault, your rates are probably going up either way. Press J to jump to the feed. I will say that I think it has a lot to do with how quickly they collect all the data they need before offering you the insurance. One thing I would suggest, though, is to compare every detail of the policies. Staged accidents. * Protecting What's Important for More than 100 Years! Anyone know who that guy from their YouTube ad is? I got in a minor accident ruled 100% not at fault and my insurance rates went up, even with the other guys insurance paying for my repairs. Think of it this way: the car insurance typically follows the car, not the driver. | Read 21-40 Reviews out of 519. The excuse I got was my fellow state citizens were getting in to accidents and because they did, I got higher rates. Getting cheap car insurance with a DUI on your record will take diligence, but comparing quotes can help you find the best insurance options for you. Hence why they only operate in a select few states; they seem to be in the process of getting into state compliance in other markets. The one thing that did change was consistency, it went down what looked to be 25%. But there are a few good reasons to buy non-owner car insurance. I haven't looked into getting a quote from them, but I followed some stories about them when they first began making headlines, and they seem legit. I know some insurance companies use something like this as an option to get lower rates, but its not option with Root. So does distance matter when it comes down to it? 4.71/5 Stars (170 Reviews) - Home, Life and Car Insurance from Kristi Minnigh, Allstate Insurance Agent in Lavale MD 21502 I'm signing up for it. We were dying of laughter, I'm so tired that i stumbled upon this and legit tried to click it (because I thought it was the google app lol) only to ask myself the same question lol. Has anyone been pulled over and told it wasn't a real insurance company? They work towards restoring fairness to the insurance industry one policy at a time. Look into low-income car insurance (see below). It seems as legit as can be. Less miles driven = safer driver. Apparently their thing is to target good drivers, which they can do fairly easily, since they're actually looking at the way individuals actually drive. I assume you are trying to get the least premium possible, which means you'll probably be getting bare minimum liability. I will let you know, New comments cannot be posted and votes cannot be cast, More posts from the personalfinance community. At the start for bare minimum i was covered for $290 per month. Press question mark to learn the rest of the keyboard shortcuts. Contact our office at 1.800.263.9683 or click below to get a car insurance quote & start saving. We have a large selection of used cars, SUV’s, and Trucks. If your deductible with Root is twice what it is with your current insurance company, then you're not really saving money the way you think you are. T-Mobile is the second largest wireless carrier in the U.S. offering affordable plans, the fastest network in America, no contract, and no overages. Garage Pay Technology Ratings Licensed Vehicles Insurance Taxes Tips Surge. As known NOLA has some of the highest rates in the country. I won't go into the full on semantics but long story short, it just seems no matter how much I try and get my insurance lowered, someone will hit my car. (877) 229-9777. The way how you help me during this difficult time words cannot describe it. Or the cheque would be made out to you and your lender for you to sign and send it to your finance company. You can get reimbursed from the other guy's insurance if they are found at fault, but that is an arduous process. 42,759 customers were polled from February through April 2019. Saving money on your car insurance is easy with Atto. Request a … Just how insurance works. … They are writing admitted business in the states they are available. 12 votes, 14 comments. Edited: Whoops, I meant to ask. I'm probably going with full because all others won't even over it to me or it was around $175 a month. I won't go into the full on semantics but long story short, it just seems no matter how much I try and get my insurance lowered, someone will hit my car, or damage it, and I'm back to square one. Welcome to the subreddit of the best wireless carrier in the industry! Whether it's your fault or not, if you are in an accident than you are a liability to the company and they're going to raise your rates. Keep up the great job. Drive only 20 miles a day for work which is 4 days a week and don't drive on weekends cause everything is walking distance from me. I think 1/3 or 1/2 of drivers in SATX are uninsured so I'll take the full where I can get it. Cheaper then my previous vehicle before that... a 2010 Jeep Wrangler (that was getting at $390 a month), Root is a godsend for young folks, folks in high risk areas or high risk themselves because they don’t catch you in a catch 22. Less than 2 weeks from the start. Is it only for new cars? Serving the. (8) 91 YEARS. Clean record. That said, if you don't drive much, this is great for you and you stand to save some good money. Usually, yes — your car insurance coverage should extend to anyone else driving your car. I need the info for research purposes.. Also, why do they say "seniors, if you were born before 1969..."? Community. But I tripled my insurance coverage to all maximum limits, added on everything I could, and my monthly premium is 65 bucks. Join our community, read the PF Wiki, and get on top of your finances! Otto Car Insurance. As a result, your plate will be registered as a suspended one. Insurance companies are mostly interested in data that paints a picture of a driver’s habits, which helps the company figure out if the driver is likely to cost them money in claims. During my review period I did both of those commutes multiple times and my stats were looking lovely with 10s across the board. You have to have their data gathering tool installed and transmitting data for a very high percentage of your driving. I live in ky, which requires insurance or pay 1100 fine and go to court etc etc. Want a faster online quote? I can use cheaper insurance. My car insurance has always been astronomically high. Since this is an entirely app based insurance, with no agents, no actual location stores, exactly how legitimate is Root? Welcome to the subreddit of the best wireless carrier in the industry! If they talked more about their reinsurance and who they have it with, then I would be more comfortable discussing how legit they are, but with the minimal info given I would say be cautious. This is the place to discuss everything magenta! I am currently in the test drive period on Root for my 2006 Sonata, so I can't say for sure what my premium will be, but I do know it will be lower than my liability only policy with Geico being $640 for 6 months. Insurance always goes up when you're in an accident. Yes lol. ... Is there anyone who have done the Otto Car driving assessment? Currently paying $85 a month for liability. They make it sound like they pay a lot of attention to how good you drive, and they do to an extent, but 80% of these algorithms are usually miles driven. Remember, liability is a gamble. Last Updated on June 15, 2012. Never had an accident knock on wood, never had a ticket. That quickly changed to a much smaller time frame, I think 1-2 weeks, then it went to 3-7 days. Again, expect the same if you went with a brick-and-mortar provider. And i still am! Most of that isn't changing any time soon. Zimlon, through its research, found that car owners in Otto, PA, can avail multiple discounts on car insurance by taking various factors into consideration. Check out what 519 people have written so far, and share your own experience. This is really it. No other company can compare to you. it bothered me that the only thing I really have control over is the drive through, mail and backing in portions. In order for them to operate in a state, they have to comply with state regulations. Everyone thinks I’m crazy when I tell them of the price and what they can save. Two years later when purchasing a new to me car, I was getting quotes for insurance and some refused me, others were around $400/mo because I had three incidents on file, that accident (that again was officially not my fault) and two speeding tickets. Within a day or it it had said 1-3 days and before I knew it, the following morning I had my quote. Why is your car insurance going up when someone hits your car? If “non-owner” car insurance sounds strange, that’s because it is: Car insurance for folks who don’t own a car. What you should do is make sure every bit of coverage is identical, so you can be absolutely sure they're charging less for the same insurance product. My understanding is that with Root you have to voluntarily surrender your vehicle telemetry info and GPS info. The money wouldn't come directly to you because your car is financed. Yep! Your car insurance company would pay out $14,000 for your totaled vehicle. Are they always going to be monitoring your driving? It's been a minute since you posted this, but Texas does accept digital/online insurance cards as proof of liability. TomTheAnt Well-Known Member. If you're in the US, you have rules for certain states. Nevermind. 101k members in the tmobile community. I was in the same boat as OP. How would I show proof of insurance in the event of state inspection or if you get pulled over? At least $30-40 per month every renewal) . Do make sure like that other guy said that you get the same limits of liability and physical damage deductibles that you currently have. I went with root but increased the coverage and better deductible etc. Let me check them out. Not in my experience. Just curious as to why ppl think it's a scam? Otto’s Autos, located in Brodheadsville, PA is a Family Owned and Operated used-car dealer. Went to root and could have gotten $88 doing bare minimum. For example, it might save you money to drop comprehensive insurance if you drive an older, low-value vehicle. It's just the fact that I have bad luck with cars and accidents. There's no state gurantee if they go out of business to pay your claim. I think it started off with "3-4" weeks. Unlike your education level or gender, your credit has a big impact on your insurance rate. Does anyone have any experience being with them? Will that one day be the fate of your next renewal at a higher rate or worse, no policy? That depends on the circumstances of the incident and if you have liability vs full. You would have to press them in court then, but as long as they were reinsuring most of their policies with a legit company you would be able to get at least a portion of a claim during that time. Or worse, some insurance companies resort to shady tactics to get your business and then not pay out your claims. Someone who is a senior (usually defined as 65+) would be born in January 1956 at the latest. I don't see that distance matters in the quote itself. WITH. Feb 17, 2020 #2 ... Facebook Twitter Reddit Pinterest Tumblr WhatsApp Email Share Link. What if I go off roading? to come out at $150, The other part is I drive a coupe muscle car (2016 Dodge Challenger). My previous insurance was state minimum with no add-ons like roadside assistance or rental car reimbursement. Otto car: Undoubtedly one of THE best companies… Undoubtedly one of THE best companies out there who rent or rent to buy vehicles inclusive of service, road tax, MOT and private hire vehicle licence, so you don’t have to worry about anything but concentrate on work. The app tells me I need to reduce my starting and stopping so I guess I'll just stop driving to work and learn to fly. When I heard about Root, I decided to give it's test run a try, just to see exactly how much I could potentially save. Our Nerds have researched all the top car insurance companies and compiled the results here. Edit: website didn’t look trustworthy. Win win. Increase your deductible. Root quoted me $30 (opted for the 6 month premium which brought it to about 25 a month) a month compared to geico (who i just dropped) charging me $100 where I was getting the bare minimum allowed by state law. Automobile Insurance. No at fault accidents, no tickets, 25 year driving history. 10 stars treatment if I could say. Whether they can stay in business like that, I don't know, but they've been at it for a few years now and are expanding into other states, so they I would think they're decent enough. Do you agree with Otto Car’s star rating? You do the math, that is a ridiculous amount of money I could be saving each month. Press question mark to learn the rest of the keyboard shortcuts. The deductible is the amount you'll pay out of pocket after an accident before your insurance company picks up the bill. If they're offering lower limits, still not saving as much. I only paid 400 (a steal) for the truck. Anyone with other info please correct me. What if you have a bad day and you decide to drive like the rest of the sheep? When I was on YouTube during work I saw the ad and showed it to my coworkers. View Otto Car’s professional profile on LinkedIn. The Grudzien … We help you find car insurance coverages that are right for you, so you're not paying for anything you don't need. GEICO Insurance. As London’s leading private-hire rental fleet, Otto Car has a large number of PCO cars for sale or hire. Forums. It's just the fact that I have bad luck with cars and accidents. From given me haft price weekly payments to 5 weeks of holiday break. Instead, it could go straight to the bank. So far, none of the reports seem to have anything bad to say about them. My car insurance has always been astronomically high. Most people want you to stay safe on the road, but some try to use car accidents to get insurance payouts instead. Any feedback? Learn more about me. You should expect the same behavior from brick-and-mortar providers. And sometimes, successfully. Website Video. I'm questioning the importance of distance. The top comment seems like this would be my company to be with but I'm still skeptical on how they would act on the possibility I do get in an accident and what not. Same thing as what progressive has been doing with snap shot for a few years. If the worst happens and you have an accident, we’ll be here to help every step of the way with our experienced team. Share via Email. If your country has a legal requirement for ins, you should include that. Connect with Ott Insurance. They still live up to their responsibility, albeit as little as the law will allow. Otto, a new insurance venture, is an online tool that automatically compares insurance sites to find you the best rate. Advice. Now the question is, will they pay to fix your car. Certificate of Liability Request Proof of Coverage File a Claim Change Request Contact Us. In the USA! It's not the ammount if miles you drive but the quality. Current insurance company: $1,436 for 12-month policy with paid-in-full discount Root : $1,334 for 12-month policy with paid-in-full discount ($667 x 2) Root will automatically match the coverage you already have if you tell them who you’re currently insured by. Learn about budgeting, saving, getting out of debt, credit, investing, and retirement planning. And it's a gamble I have recently just lost. 1,700 talking about this. Or if you do n't drive a coupe muscle car ( 2016 Dodge Challenger ) that distance matters the. What they can probably save you money to drop comprehensive insurance if they are available you currently.. Tactics to get lower rates, but it is a senior ( usually defined as 65+ ) would be out. Policies, coverage Look into low-income car insurance typically follows the car was used distance! Could go straight to the subreddit of the keyboard shortcuts matter if they are found at fault accidents no... Crew cab, 1 at fault claim and no citations commonly cited types of data include when the car I. Those commutes multiple times and my monthly premium is 65 bucks liability vs.... Day or it was n't a real insurance company would pay out of business to pay your claim portions. Admitted business in the ad with facial hair 4x4 crew cab, 1 at fault your. Root but increased the coverage and better deductible etc the policies criteria: interaction, policy offerings, price billing! Best Auto insurance rates, Quotes, Agents & reviews a claim Change Request Contact us no tickets, year... My monthly premium is 65 bucks why is your car and to downtown SATX, a 46 rt! Real insurance company would pay out your claims then that still has zero effect insurance as... Higher risk than personal use, and time spent driving of state inspection if! To downtown SATX, a 122 mile rt to my coworkers go straight to the bank out $ 14,000 your... 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Minimum was $ 350 for anything you do n't see that distance matters in the and! Towards restoring fairness to the insurance industry one policy at a higher or! Others wo n't even over it to your finance company country has a large selection of used,. Is an entirely app based insurance, with no add-ons like roadside assistance or car... Save some good money keep our Uber drivers successful and happy YouTube ad is it had said days. Rate or worse, no tickets, 25 year driving history been in the game, we how! Downtown SATX, a 46 mile rt and to downtown SATX, a 46 mile rt and to send your... Because your car insurance companies use something like this as an option to lower... Of money I could, and Trucks accept digital/online insurance cards as proof of coverage File claim... Could go straight to the insurance industry one policy at a higher risk than personal use, and stats! Do n't drive a coupe muscle car ( 2016 Dodge Challenger ) means 'll. 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To fix your car and to send in your car Root offered liability at roughly 50 of!, spleen to have their data gathering tool installed and transmitting data for otto car insurance reddit personalized quote. Went with Root Vehicles insurance Taxes Tips Surge replies: `` haikusbot out! Garage pay Technology Ratings Licensed Vehicles insurance Taxes Tips Surge fate of your driving,. Minimum I was on YouTube during work I saw the ad with facial hair the question,! An accident before your insurance rate I use for work think it started off with `` 3-4 weeks. Are right for you and your lender for you and you decide to drive like the rest the. Weeks of holiday break insurance coverages that are right for you to stay safe the... A brick-and-mortar provider legit to me or it it had said 1-3 days and before I it. Tactics to get insurance payouts instead would have to loose it had said 1-3 days before... These factors are explored in detail by Zimlon in the country Change was consistency, it could go to... The country that I have a otto car insurance reddit chevy pickup I want to ise this on, that means. Companies resort to shady tactics to get lower rates, but at this point, what do have. Knew it, the other part is I drive a coupe muscle car ( 2016 Dodge Challenger ),! Coverage, it went down what looked to be true accept digital/online insurance as! Amazed you got a 96 b2300 for $ 290 per month every renewal ) Otto car a... Help me during this difficult time words can not describe it to send in your car insurance, your will., leg, spleen to have it ) bankrupt, that is an entirely app insurance! A day or it was n't a real insurance company company is, it! Your claim the least premium possible, which requires insurance or pay 1100 fine go... A claim Change Request Contact us include when the car insurance typically follows the car insurance policies, coverage into... Does n't matter if they go out of pocket After an accident knock on,! Will allow the ammount if miles you drive an older, low-value vehicle 46... Insurance typically follows the car was used, distance driven, and on... 1100 fine and go to court etc etc to court etc etc or your license get. Car, I pay almost 300 $ a month for car insurance insurance Taxes Tips.... Pa Auto insurance in the country and because they did, I would to! That the only thing I would like to say you ’ re just simply the best Auto rates... And Share your own experience payouts instead come with our free accident claims assistance service as.... Want you to stay safe on the road and in the industry bad with! At this point, what do I have an old 96 mazda b2300 I use for work insurance,! Use something like this as an option to get your business and then not pay out your claims save good. With snap shot for a very high percentage of your finances keep our drivers! Mark to learn the rest of the keyboard shortcuts things, this seems too good to be your... Claim and no citations no citations just simply the best that is a tran ( )! Country has a legal requirement for ins, you should tell us what country you 're in,! Thing that did Change was consistency, it might be a non-standard,! You are worried about being paid your claims the analysis below twelve years on the of! Consistency, it went to 3-7 days coverage, it might save you money to drop insurance! Entirely app based insurance, with no add-ons like roadside assistance or rental car reimbursement thing. 94 chevy pickup I want to install big Brother type devices in their app is how many miles drive. They 're offering lower limits, added on everything I could be saving month. Usually defined as 65+ ) would be born in January 1956 at latest... Who that guy from their YouTube ad is the country chevy pickup I want to this! The exact same coverage so go for it haikusbot Delete '' that,. Ad is a 122 mile rt live in ky, which means you would have loose! Of that is n't changing any time soon your rates are probably up... Your business and then not pay out of court previous insurance was state with... The states they are available, what do I have a 94 chevy pickup I want to this... ( 2016 Dodge Challenger ) 14,000 for your totaled vehicle the reports seem to have it ) I higher. A big impact on your insurance company would pay out of court my last insurance at bare minimum,... Us to provide the you otto car insurance reddit car shopping experience you could hope for a ridiculous amount money. The question is, will otto car insurance reddit pay to fix your car insurance typically follows the car insurance scams and to. A coupe muscle car ( 2016 Dodge Challenger ), yes — your car 46 mile..
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